Compare Bank & Credit Union Rates
Best savings rates in Panama City, FL
Compare published savings yields, money market accounts included, with minimums, requirements, collection dates and original sources.
Top savings rates
Showing 16–30 results in Panama City, FL
- Champions First Credit UnionMain Share SavingsSavings · $100 min · 0.05%–0.15% by balance
Credit union · 1 branch
0.15%APY$15 a year on $10,000Requirements
Product: Holds $5.00 share of ownership. Dividends are compounded monthly and credited monthly on a calendar month basis. Variable APY subject to change at any time without notice.
Offer: Minimum balance to earn stated APY is $2,500.00 according to schedule.
0.05% interest rate · Compounded monthly
Rate by balance
Rate by balance for Main Share Savings Balance APY $100 – $2,500 0.05% $2,500 – $5,000 0.10% $5,000 and upYour amountMinimum balance to earn stated APY is $2,500.00. 0.15% Rate checked
More details - 0.15%APY$15 a year on $10,000
Requirements
Product: A service charge of $5.00 is imposed every quarter if the daily balance falls below $100.00 any day of the quarter. 6 free withdrawals per quarter ($2.00 fee per withdrawal over 6).
Effective Sep 24, 2026
Rate by balance
Rate by balance for United Savings Balance APY Up to $2,499 0.05% $2,500 and upYour amount 0.15% Rate checked
More details - 0.15%APY$15 a year on $10,000
Requirements
Product: Zero monthly service charges. Minimum deposit of $5 required to open and maintain membership.
Offer: Must maintain a minimum balance of $100 to earn dividends.
0.15% interest rate · No monthly fee
Rate checked
More details - 0.10%APY$10 a year on $10,000
Requirements
Product: Your Hello membership begins when you open a main share savings account. $5.00 minimum opening deposit. No minimum balance required.
Offer: Dividends earned are posted on the last day of each month.
0.10% interest rate · Effective Jan 28, 2026
Rate checked
More details - Champions First Credit UnionMoney Mint Share AccountSavings · $5,000 min · 0.05%–0.15% by balance
Credit union · 1 branch
0.10%APY$10 a year on $10,000Requirements
Product: Maximum of six (6) withdrawals per month. Dividends are compounded daily and paid monthly on a calendar month basis. Minimum opening deposit is $5,000.00. Minimum balance to earn stated APY is $1,000.00.
Offer: Maximum 6 withdrawals per month.
0.05% interest rate · Compounded daily
Rate by balance
Rate by balance for Money Mint Share Account Balance APY $1,000 – $5,000 0.05% $5,000 – $75,000Your amount 0.10% $75,000 and up 0.15% Rate checked
More details - Champions First Credit UnionSave 4 ItSavings · $5 min · 0.05%–0.15% by balance
Credit union · 1 branch
0.10%APY$10 a year on $10,000Requirements
Product: Interest is compounded monthly and paid monthly on a calendar month basis. Variable APY.
0.05% interest rate · Compounded monthly
Rate by balance
Rate by balance for Save 4 It Balance APY Up to $5,000 0.05% $5,000 – $25,000Your amount 0.10% $25,000 – $50,000 0.10% $50,000 – $75,000 0.10% $75,000 and up 0.15% Rate checked
More details - Huntington BankHuntington Relationship SavingsSavings · $100 min · 0.01%–0.06% by balance
Bank · 1 branch
0.06%APY$6 a year on $10,000with conditionsRequirements
Product: Monthly maintenance fee of $10 waived with an average daily balance of $2,500 or when you also own a Huntington personal checking account. Minimum opening deposit is $100. Higher relationship rates available when linked with qualifying checking accounts. Rates are specific to ZIP code 43215.
Offer: Non-Relationship Promotional Rate; requires new money to Huntington (money not currently on deposit in any Huntington account except maturing consumer CDs). Rate applies to ZIP code 43215.
Qualified rate · 0.01% interest rate · $10 monthly fee · Effective Oct 5, 2026
Rate by balance
Rate by balance for Huntington Relationship Savings Balance APY Up to $5,000 0.01% $5,000 – $2,000,001Your amountStandard Rate with qualifying, open Private Client Account. 0.06% $2,000,001 – $100,000,000,000requires new money to Huntington. Bank reserves the right to limit acceptance of deposits greater than $2,000,000.00. 0.01% Rate checked
More details - 0.05%APY$5 a year on $10,000with conditions
Requirements
Product: Savings with check-writing capability. $12 monthly service fee can be avoided with a $3,500 minimum daily balance each fee period. Relationship rates require linking to an eligible checking account (such as Prime Checking or Premier Checking).
Offer: Relationship rate; requires linking to a Premier Checking account. $12 monthly service fee avoided with $3,500 minimum daily balance.
Qualified rate · 0.05% interest rate · $12 monthly fee · Effective Oct 10, 2026
Rate by balance
Rate by balance for Wells Fargo Platinum Savings Balance APY Any balanceYour amount 0.05% $25,000 and upPromotional rate accurate as of 2026-10-07 for new Platinum Savings accounts for customers who do not have an existing Wells Fargo consumer savings account (or ownership in past 30 days). $12 monthly fee avoided with $3,500 minimum daily balance. 3.25% Rate checked
More details - 0.05%APY$5 a year on $10,000
Requirements
Product: A membership savings account establishes credit union membership. Requires maintaining a minimum balance of $5.
Offer: Applies if average daily balance is over $100.
0.05% interest rate · Effective Aug 1, 2026
Rate checked
More details - 0.02%APY$2 a year on $10,000with conditions
Requirements
Product: Savings with check-writing capability. $12 monthly service fee can be avoided with a $3,500 minimum daily balance each fee period. Relationship rates require linking to an eligible checking account (such as Prime Checking or Premier Checking).
Offer: Relationship rate; requires linking to a Prime Checking account. $12 monthly service fee avoided with $3,500 minimum daily balance.
Qualified rate · 0.02% interest rate · $12 monthly fee · Effective Oct 10, 2026
Rate checked
More details - 0.02%APY$2 a year on $10,000with conditions
Requirements
Product: Monthly maintenance fee of $10 waived with an average daily balance of $2,500 or when you also own a Huntington personal checking account. Minimum opening deposit is $100. Higher relationship rates available when linked with qualifying checking accounts. Rates are specific to ZIP code 43215.
Offer: Standard Rate with qualifying, open Huntington Perks Checking account. Rate applies to ZIP code 43215.
Qualified rate · 0.02% interest rate · Balance cap $2,000,000.99 · $10 monthly fee · Effective Oct 5, 2026
Rate checked
More details - 0.01%APY$1 a year on $10,000
Requirements
Product: Standard savings account. $5 monthly service fee can be avoided with $300 minimum daily balance, 1 automatic transfer of $25+ each fee period from linked Wells Fargo checking, 1 automatic transfer of $1+ each business day from linked checking, 1+ Save As You Go transfers from linked checking, or if the primary account owner is 24 years old or under.
Offer: Standard rate. Fee waived with $300 minimum daily balance, 1 automatic transfer of $25+ per fee period, 1 daily automatic transfer of $1+ each business day, 1+ Save As You Go transfer, or primary owner age 24 or under.
0.01% interest rate · $5 monthly fee · Effective Oct 10, 2026
Rate checked
More details - 0.01%APY$1 a year on $10,000with conditions
Requirements
Product: Savings with check-writing capability. $12 monthly service fee can be avoided with a $3,500 minimum daily balance each fee period. Relationship rates require linking to an eligible checking account (such as Prime Checking or Premier Checking).
Offer: Standard rate. $12 monthly service fee avoided with $3,500 minimum daily balance.
Qualified rate · 0.01% interest rate · $12 monthly fee · Effective Oct 10, 2026
Rate checked
More details - 0.01%APY$1 a year on $10,000
Requirements
Product: No monthly maintenance fee when paired with a personal Huntington checking account or with an average daily balance of $300, otherwise $4 monthly fee.
Offer: Minimum opening deposit is $50.00. Minimum balance to earn interest is $0.01. Monthly maintenance fee of $4 waived with an average daily balance of $300 or when you own a Huntington personal checking account.
0.01% interest rate · Balance cap $99,999,999,999.99 · $4 monthly fee · Effective Oct 5, 2026
Rate checked
More details - 0.01%APY$1 a year on $10,000with conditions
Requirements
Product: Monthly maintenance fee of $10 waived with an average daily balance of $2,500 or when you also own a Huntington personal checking account. Minimum opening deposit is $100. Higher relationship rates available when linked with qualifying checking accounts. Rates are specific to ZIP code 43215.
Offer: Standard Non-Relationship Rate. Rate applies to ZIP code 43215.
Qualified rate · 0.01% interest rate · Balance cap $2,000,000.99 · $10 monthly fee · Effective Oct 5, 2026
Rate checked
More details
Carrot Score rates each institution on all its CD, savings, auto loan and credit card rates, not just the account shown. How we rank
What savings accounts pay in Panama City, FL
35 accounts at 12 banks and credit unions · checked Oct 15–22
- Typical
- 0.15%
- Top 10% from
- 2.12%
- Banks, typical
- 0.02%
- Credit unions, typical
- 0.28%
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Panama City, FL metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Innovations Financial Credit UnionCredit union · 8 branches
- Champions First Credit UnionCredit union · 1 branch
- Community South Credit UnionCredit union · 2 branches